County banking markets / TN / 47187
WilliamsonTennessee
FIPS 47187. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 95 counties in Tennessee’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (467) and unconcentrated on deposits (766).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
38 branch offices and 14 institutions in 1994; 103 and 36 in 2025. Deposits booked in the county went from $1.13B to $14.56B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Pinnacle Bank cert 35583 | $2.22B | 15.22% | 4 | 3.88% |
| 2 | FirstBank cert 8663 | $1.63B | 11.18% | 9 | 8.74% |
| 3 | Bank of America, National Association cert 3510 | $1.43B | 9.80% | 5 | 4.85% |
| 4 | Regions Bank cert 12368 | $1.31B | 9.02% | 9 | 8.74% |
| 5 | Fifth Third Bank, National Association cert 6672 | $1.23B | 8.44% | 6 | 5.83% |
| 6 | First Horizon Bank cert 4977 | $1.06B | 7.25% | 9 | 8.74% |
| 7 | Cadence Bank cert 11813 | $911.0M | 6.26% | 3 | 2.91% |
| 8 | Truist Bank cert 9846 | $603.2M | 4.14% | 5 | 4.85% |
| 9 | U.S. Bank National Association cert 6548 | $469.0M | 3.22% | 4 | 3.88% |
| 10 | Studio Bank cert 59112 | $466.1M | 3.20% | 1 | 0.97% |
| 11 | Wells Fargo Bank, National Association cert 3511 | $366.7M | 2.52% | 4 | 3.88% |
| 12 | JPMorgan Chase Bank, National Association cert 628 | $328.5M | 2.26% | 4 | 3.88% |
| 13 | United Community Bank cert 16889 | $279.0M | 1.92% | 2 | 1.94% |
| 14 | Renasant Bank cert 12437 | $257.0M | 1.77% | 2 | 1.94% |
| 15 | Volunteer Bank cert 22451 | $213.9M | 1.47% | 2 | 1.94% |
| 16 | Wilson Bank and Trust cert 26962 | $209.6M | 1.44% | 2 | 1.94% |
| 17 | Sonata Bank cert 21342 | $186.0M | 1.28% | 1 | 0.97% |
| 18 | Simmons Bank cert 3890 | $167.8M | 1.15% | 4 | 3.88% |
| 19 | First Citizens National Bank cert 4972 | $152.8M | 1.05% | 3 | 2.91% |
| 20 | Lineage Bank cert 6100 | $143.4M | 0.98% | 2 | 1.94% |
| 21 | Oakworth Capital Bank cert 58783 | $141.8M | 0.97% | 1 | 0.97% |
| 22 | PNC Bank, National Association cert 6384 | $132.7M | 0.91% | 1 | 0.97% |
| 23 | Mountain Commerce Bank cert 4931 | $96.5M | 0.66% | 1 | 0.97% |
| 24 | First Farmers and Merchants Bank cert 1487 | $94.1M | 0.65% | 5 | 4.85% |
| 25 | Republic Bank & Trust Company cert 23627 | $71.2M | 0.49% | 1 | 0.97% |
| 26 | First-Citizens Bank & Trust Company cert 11063 | $51.2M | 0.35% | 1 | 0.97% |
| 27 | Old National Bank cert 3832 | $51.0M | 0.35% | 2 | 1.94% |
| 28 | The First National Bank of Middle Tennessee cert 4952 | $48.6M | 0.33% | 1 | 0.97% |
| 29 | Synovus Bank cert 873 | $46.5M | 0.32% | 1 | 0.97% |
| 30 | Commercial Bank cert 22354 | $43.4M | 0.30% | 1 | 0.97% |
| 31 | SmartBank cert 58463 | $34.1M | 0.23% | 1 | 0.97% |
| 32 | Legends Bank cert 34936 | $33.4M | 0.23% | 1 | 0.97% |
| 33 | Apex Bank cert 9176 | $30.6M | 0.21% | 1 | 0.97% |
| 34 | Tower Community Bank cert 20100 | $29.9M | 0.21% | 2 | 1.94% |
| 35 | Southern Bank of Tennessee cert 34847 | $16.9M | 0.12% | 1 | 0.97% |
| 36 | First Federal Bank cert 29782 | $15.5M | 0.11% | 1 | 0.97% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Tennessee, or read the methodology for the two HHI constructions and what they cannot tell you.